Bad Form to Apply to Junior Year Internship as a Sophomore?

Most of these IB internships require that you be graduating in 2020 (rising junior) to apply. But if I'm graduating in 2021 (rising sophomore), is it bad form to apply? Will bank get annoyed that I'm, technically, not qualified for the job and perhaps hold it against me when I apply next year?

 

I applied to a bunch and got a few interviews out of it. If anything it shows you're interested. For me a sophomore year internship was hard to land (I applied to 134 positions and got 3 offers) but it really helped for my junior year where I only applied to 7 and got first rounds at all of them and superdays for every one but 1 that I went through.

 

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